ADDITIONAL COVERAGES

Flood
Covers overflow of inland or tidal waters, unusual or rapid runoff of surface waters from any source, and mudslides caused by accumulations of water on or under the ground.

Transit
Covers property while you are transporting it from one location to another.

Electronic Data Processing Equipment
Covers hardware, software and extra expense. Broader than standard property contents coverage.

Accounts Receivable
Covers debts you are unable to collect as a result of your inability to reconstruct records. Also covers extra costs involved in reconstructing the accounts.

Valuable Papers
Covers cost of researching, restoring or replacing plans, drawings, abstracts, etc.

Business Income
Replaces the income that would otherwise have been earned by the business while repairs are being made to the building as a result of a covered cause of loss. Also covers normal continuing operating expenses, including payroll.

Extra Expense
Pays for costs in excess of normal operating expenses that are incurred during the period of restoration as a result of a covered cause of loss to your property.

Rental Income
Covers loss of rents that would have been paid by a tenant had the rental space not become damaged.

Water Backup
Covers damage to property caused by water that backs up from a sewer or drain.

Miscellaneous Property
Covers signs, fences, awnings, landscaping, etc.

Boiler & Machinery
Covers damage for any property that you own or for which you are legally liable as a result of a sudden and accidental breakdown of the object insured. There must be physical damage to the object that necessitates repair or replacement.

Watercraft
Covers liability for owned watercraft and non-owned watercraft over 26 feet.

Drive Other Car
Covers the employee named in the endorsement and his or her spouse when driving autos that are borrowed or hired for personal use.

Hired Auto Physical Damage
Provides comprehensive and/or collision coverage on vehicle rented by the insured.

Rental Reimbursement (Auto)
Covers the cost of temporarily replacing your vehicle if it is damaged by collision or some other physical damage peril.

Rental Reimbursement (Equipment)
Covers the additional expenses incurred for the rental of substitute equipment following a covered loss.

Crime
Can cover money and securities against burglary, robbery, theft, destruction, disappearance and employee dishonesty. Can also cover property other than money and securities against specified perils such as burglary, robbery, theft, computer fraud, extortion and employee dishonesty.

Foreign Operations
Covers General Liability, Automobile, Workers' Compensation, Builder's Risk, etc. as respects work in foreign countries.

Key Man Life
Protects the corporation in the event the owner or key employee were to die.

Bonds
License, permit, bid, performance and payment, etc.